Domains and Capabilities
Domains
Cards, Digital Payments and Domestic Schemes
Commercial consulting across the payments ecosystem.
- Strategy, pricing and product
- Member bank onboarding and management
- Partner orchestration and supplier management
- Issuing, acquiring and processing ecosystems
- Wallets, mobile payments and payment gateways
- Loyalty and value-added solutions
Financial Inclusion
Financial inclusion is sustainable when access creates practical value for the end user and workable economics for the institutions and channels that provide it.
Reaching underserved end users and MSMEs
- Microfinance-linked propositions and institutional partnerships
- Human-centered design of flows and processes, building on the existing practices of users, agents, merchants and payment service providers
- Agent-network and cash-in/cash-out (CICO) model assessment, including liquidity management
- Local cash circulation ecosystems, as required, reducing the need to transport cash
- Last-mile technology and access models
- Rural digital-infrastructure requirements and partner assessment
- Product and proposition design for underserved segments
- Disbursements: benefits, social transfers and grants
- Inclusive ecosystem building: partner and technology selection across providers, channels, funders and regulators, using the four-lens assessment
- Implementation through to an operating ecosystem, minimizing unnecessary disruption where practical
- Stakeholder and program-design support with institutions that fund, enable or regulate inclusion
Government Payments
Working with the public sector across the government payments ecosystem to support government payments digitization and growth.
- Disbursements: benefits, social transfers and grants
- Collection of taxes, fees and charges
- Government purchasing and supplier payments
- Build-Operate-Transfer (BOT) programs
- Payment flows covered: G2P, G2B, G2G, P2G and B2G
Central Bank Digital Currencies
Creating viable, market-fit CBDC ecosystems: minting, distribution and destruction by the central bank, with issuing, acquiring, wallets, cards and redemption across participating institutions.
- End-to-end onboarding of participants and financial institutions, as determined with the central bank
- Domestic retail and wholesale CBDC distribution
- Issuing, acquiring, end-user wallets and cards, including offline payment capability
- Use-case definition
- Retail and wholesale model evaluation
- Interoperability, regulatory and operating requirements
- Partner and technology selection
Capabilities
Partnership Orchestration
Identifying, developing and structuring strategic, technology and solution partnerships, defining partner roles, capabilities and commercial interests for multi-party opportunities.
- Product and capability-gap analysis
- Partner sourcing, shortlisting and relationship development
- Commercial structuring
- Multi-party deal orchestration and partner coordination
- Ongoing partner relationship management
Market Entry and Go-to-Market
For payment and fintech providers entering a new market.
- Market-entry and distribution strategy
- Market and competitive assessment
Business Case, Financial Modeling and Pricing
Building the model, testing the assumptions and making the commercial logic visible before a decision is taken.
- Business cases
- Profitability analysis and unit economics
- Pricing and commercial models
- Scenario and sensitivity analysis
Contracts and Regulatory Requirements
Supporting agreements and translating regulatory requirements into what clients need to do to adhere to them, alongside legal counsel as required.
- Commercial and technical review of contracts and agreements
- Negotiation support
- Translation of regulatory requirements, including licensing and standards, into required actions
- Coordination with legal, compliance and regulatory specialists as required
This support does not replace jurisdiction-specific legal advice.